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Eleven Kesh Loan Advance App Review Kenya: Earned Wage Access (EWA) Explained, Limits, Rates, Application & Benefits

Financial emergencies don’t wait for payday—and that’s exactly why earned wage access (EWA) solutions are becoming popular in Kenya. One standout platform in this space is Eleven Kesh, a wage advance app designed to give employees more control over their income by allowing them to access part of their earned wages before payday.

Whether you need funds for insurance payments, family obligations, medical needs, transport, business projects, or personal enjoyment, Eleven Kesh provides a safer alternative to traditional digital loans.

This is a complete and detailed review of the Eleven Kesh Loan Advance App, including features, eligibility, interest rates, example calculations, how to apply, contacts, and how it compares to popular mobile loan apps in Kenya.

Eleven Kesh Loan App Kenya
Eleven Kesh Loan App Kenya 

Read Also: How to download and apply for loans from Tuma Loan App in Kenya 

What is Eleven Kesh?

Eleven Kesh is an innovative earned wage advance (EWA) platform that allows employees to withdraw a portion of their already earned salary before payday. Unlike conventional loan apps, Eleven Kesh focuses on providing salary-based advances rather than credit loans.

The app is designed to help employed Kenyans manage their cash flow more flexibly, reducing financial stress and providing instant access to money already owed to them.

Key Advantages of Eleven Kesh

  • ✔ Access part of your salary before payday

  • ✔ No physical paperwork required

  • ✔ Application processed within minutes

  • ✔ Lower interest rates compared to typical mobile loans

  • ✔ Designed specifically for salaried employees

  • ✔ Secure, private, and easy to use

With Eleven Kesh, you enjoy a more responsive, personalized way to manage your income.

Eleven Kesh Advance Limits & Interest Rates

Advance Amount

  • Minimum: KSh 6,000

  • Maximum: KSh 40,000

Advance Term

  • 92 days to 180 days

Interest (APR)

  • Minimum APR: 12%

  • Maximum APR: 26%

These are significantly lower than most mobile loan apps, making Eleven Kesh a safer option for short-term borrowing.

Example Calculation – How Much Will You Repay?

If you advance KSh 10,000 for 92 days at an APR of 12%:

  • Daily Interest Rate: 12% ÷ 365 = 0.033%

  • Interest: 10,000 × 0.033% × 92 = KSh 303.60

  • Application Fee: 10,000 × 5% = KSh 500

  • Total Repayment: 10,000 + 303.6 + 500 = KSh 10,803.60

This transparent breakdown shows exactly what you pay before applying.

Requirements to Use Eleven Kesh

Eleven Kesh is not a public loan app. It is meant specifically for employees of participating companies.

Eligibility Criteria

To qualify, you must:

  1. Be 18 years or older

  2. Be a salaried employee

  3. Have worked at your company for at least 3 months

  4. Have a signed employment contract

  5. Work for a company that has partnered with Eleven Kesh

This system ensures responsible borrowing and helps workers avoid debt traps.

How to Download & Apply for an Advance on Eleven Kesh

The Eleven Kesh process is simple and fully digital. Follow these steps:

Step 1: Register

Sign up using your mobile phone number for quick identification.

Step 2: Enter Your Salary Details

Input:

  • Your monthly salary

  • Your usual payday

(Your data is safe—Eleven Kesh protects your privacy through secure systems.)

Step 3: Get Approval

Once your employer verifies your details, your wage advance is approved within minutes.

Step 4: Receive Money

Your approved salary portion is instantly sent to your registered account.

Step 5: Repay on Time

Repaying early helps maintain a strong financial record and keeps your privileges active.

Benefits of Using Eleven Kesh

  • ✔ Zero paperwork – completely app-based

  • ✔ Fast verification – get approved quickly

  • ✔ Reduce financial stress by accessing earned wages

  • ✔ Avoid mobile loan debt traps

  • ✔ Flexible repayment options

  • ✔ Works only with trusted employers

  • ✔ Lower interest compared to digital loans

Eleven Kesh provides a safe and employer-backed financial solution—very different from typical loan apps that charge high APRs.

Customer Support and Contact Information

If you have questions or need assistance, reach out to Eleven Kesh through:

  • 📧 Email: ElevenKeshkenyaservice@outlook.com

  • 📞 Telephone: +254 0106906768

  • 🏢 Address: Kikuyu Ondiri Road, Rungiri, Kenya

  • 🕒 Office Hours: 9:00 AM – 6:00 PM (Monday to Sunday)

Comparison: Eleven Kesh vs Popular Mobile Loan Apps in Kenya

Below is how Eleven Kesh compares with other digital loan apps stored in memory (PesaIn, Loop Pesa, Sulu Cash, Raha Pesa, PawaKash, FairKash+, Choice Sasa, Beta Pesa).

Unlike these apps, Eleven Kesh is not a public loan lender—it is a salary advance service strictly for employees.

Comparison Table – Eleven Kesh vs Other Loan Apps

Loan App Loan/Advance Amount Interest / APR Repayment Term Type Regulation Target Users
Eleven Kesh 6,000 – 40,000 12% – 26% APR 92 – 180 days Salary Advance ❌ Not CBK-regulated Salaried employees only
PesaIn 1,000 – 150,000 18.5% – 65.5% APR 61 – 91 days Mobile Loan ❌ Not CBK-regulated General public
Loop Pesa 6,000 – 40,000 13% – 29% APR 100 – 300 days Line of Credit ❌ Not CBK-regulated General public
Sulu Cash 1,000 – 50,000 15% – 35% APR 91 – 180 days Mobile Loan ❌ Not CBK-regulated General public
Raha Pesa 5,000 – 500,000 16% – 34% APR 91 – 180 days Mobile Loan ❌ Not CBK-regulated General public
Choice Sasa (variable) Competitive Short-term Mobile Loan ❌ Not CBK-regulated General public
Beta Pesa (variable) Competitive Short-term Mobile Loan ❌ Not CBK-regulated General public
PawaKash (variable) Competitive Short-term Mobile Loan ❌ Not CBK-regulated General public
FairKash+ (variable) Competitive Short-term Mobile Loan ❌ Not CBK-regulated General public

Key Difference

  • Eleven Kesh is not a loan app—it is a workplace financial benefit.

  • All other apps listed are digital credit lenders targeting the general population.

Final Thoughts – Should You Use Eleven Kesh?

If you are a salaried employee working for a company partnered with Eleven Kesh, this is one of the safest, most affordable, and most ethical ways to access funds before payday.

Recommended for:

  • Employees with emergencies

  • People wanting to avoid mobile loan debt

  • Those tired of high-interest digital loans

  • Anyone needing fast, convenient salary access

Not suitable for:

  • Unemployed individuals

  • People working in companies that have not partnered with Eleven Kesh

Compared to traditional loan apps, Eleven Kesh offers lower interest rates, better repayment terms, and zero credit risk, making it an excellent financial tool for salaried Kenyans.

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Location: Kenya

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